How to ask for CLI at activation

[Anonymous]

I recently got a BoA CC with not the limit I was looking for so would like to know how to go about getting a CLI to at least double what they are giving me now.

[cadavis0609]

With BoA, most of the time its best to wait until you've had the card for about 6 months, they are very generous with their CLI's but right now, with the economy the way it is, they're probably going to want to see some history. However, BoA is cool in the fact that they don't do a pull most of the time in order to give you one, so it doesn't hurt to ask. Just be prepared for the big N-O. If they do, just be patient and the increases will come.

[plasticguy]

Unless the policy has changed, it was after 9 months before an increase could be granted. I have reached the Max I can receive from BOFA

[tonsers]

I hit the luv button of the BofA website 2 months after I received my BofA Amex and received a generous increase.

[Anonymous]

if you leave the amount blank and request a cli every 3 months via love button you usually get 20% increase

[wmarat]

I get CLI from BOA every 3 mos.

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@plasticguy wrote:
Unless the policy has changed, it was after 9 months before an increase could be granted. I have reached the Max I can receive from BOFA

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[wmarat]

I have always asked and got CLI on activation. When you activate a card ask to increase CL, most likely they transfer you to credit analyst, who will ask you why you need an increase. (My usual reason is keep util. low.)

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@Anonymous wrote:
I recently got a BoA CC with not the limit I was looking for so would like to know how to go about getting a CLI to at least double what they are giving me now.

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[Anonymous]

thanks I'll try that. I have a 9K Amex Delta card and just got the BoA Amex with only a $3K limit. I would be happy with $5K right now.  I was thinking about applying for another BoA CC but not sure if I should.

[Anonymous]

My new Chase Freedom card arrived today - credit limit $2000.  When I called to activate, the rep was really nice explaining all the benefits of the card (and to my complete shock she did NOT try to sell me on any insurance/protection features!).

She asked how I was planning to use the card, and I mentioned that I would like to use the card as my "everyday" card to run all my monthly purchases through - and used that as a segway to say "would it be possible to get a higher credit limit?" to avoid maxing out the card every month.

She was able to process the request right then (it did involve an Experian hard pull) - but my limit was immeditely upped to $5000 which I'm really so excited about! 

My only other cards at the moment are Capital One $1050 CL (started at $500 6 months ago) and Discover $1250 CL (started at $1000 8 months ago) - so this $5000 limit is huge for me

[Anonymous]

oh that's good..  I'll try that with the boa amex also to see if it works. With Amex recent slashing I need something I can count on and boa seems stable.